Common use of Multiple Owner Accounts with Us Clause in Contracts

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products or services. These rights allow each owner alone to start, confirm, maintain, review, change, add, terminate and con- duct transactions on the multiple owned accounts, products or ser- vices on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. Each owner owns the funds in a multiple owner account with right of survivor- ship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner account dies before the last owner is deceased, on the last owner’s death the funds in the account will go to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payee’s estate may also claim the funds in the ac- count if the beneficiary/POD payee dies after the last owner on the multiple owner account dies but before receiving funds in the ac- count. If you as multiple owners designate more than one benefi- ciary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count will be determined by dividing the amount of the funds in the account by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the account with multi- ple beneficiaries/POD payees dies before the last owner is de- ceased, on the last owner’s death the deceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to any other beneficiary/POD payee on the account. The deceased beneficiary’s/POD payee’s estate may also claim the de- ceased beneficiary’s/POD payee’s share of the funds in the ac- count if the beneficiary/POD payee dies after the last owner on the account is deceased, but before receiving her or his share of the funds in the account. You understand that it is your responsibility (and not our responsibility) to inform a person or organization that he, she or it is a beneficiary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations do not apply to any retirement account or account life savings insurance, which have separate beneficiary designa- tions. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization of the owners for all actions and transactions on the ac- count, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining the multiple owner account, you consent to any actions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering the owner’s information in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service charges, costs, losses or liabilities incurred for any action or transaction on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- ary-owner or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 19. and 22.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products prod- ucts or services. These rights allow each owner alone to start, confirmcon- firm, maintain, review, change, add, terminate and con- duct transactions conduct transac- tions on the multiple owned accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. Each owner owns the funds in a multiple multi- ple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the accountac- count. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibilityrespon- sibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son person or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go ac- count belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if the beneficiary/POD payee dies after the last owner on the multiple owner account dies but before receiving funds in the ac- countbe claimed by a rep- resentative of that owner’s estate or other claimant authorized by law. If you as multiple owners designate more than one benefi- ciary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count will be determined by dividing the amount of the funds in the account by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple beneficiariesmultiple beneficiar- ies/POD payees dies before the last owner is de- ceaseddeceased, on the last owner’s death the deceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to any other beneficiary/POD payee on the account. The deceased beneficiary’s/POD payee’s estate may also claim the de- ceased beneficiary’s/POD payee’s share of the funds in the ac- count if will go to and be evenly divided among the remaining living beneficiaries/POD payees on account (upon providing proof of death of any deceased beneficiary/POD payee dies after payee). If all the benefi- ciaries/POD payees on an account die before the last owner is de- ceased, on the account is deceased, but before receiving her or his share death of the final owner the funds in the accountaccount will go to the final owner’s estate and may be claimed by a repre- sentative of the final owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibilityre- sponsibility) to inform a person or organization that he, she or it is a beneficiary/POD payee on any account with us. If a beneficiarybenefi- ciary/POD payee on an account dies before you, it is also your responsibility re- sponsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account life savings insurancein- surance, which have separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization authorization of the any or all other owners for all actions and transactions transac- tions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent con- sent to any actions or transactions on accounts, products and services ser- vices by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering the owner’s information in- formation in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service charges, costs, losses or liabilities incurred for any action or transaction on an accountac- count, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- aryfiduciary-owner or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciary’s obligation to us even after that person per- son dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required re- quired by law (please see Provisions 19. and 22.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the accountac- count. Multiple account owners have equal rights to take actions and conduct transactions on the account, products or services. These rights allow each owner alone to start, confirmcon- firm, maintain, review, change, add, terminate and con- duct conduct transactions on the multiple owned accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative repre- sentative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate desig- nate a per- son person or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if the beneficiary/POD payee dies after the last owner on the multiple owner account dies but before receiving funds in the ac- countbe claimed by a representative of that owner’s estate or other claimant author- ized by law. If you as multiple owners designate more than one benefi- ciarybeneficiary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’sbenefi- ciary’s/POD payee’s share of the funds in the ac- count account will be determined by dividing the amount of the funds in the account by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple multiple beneficiaries/POD payees dies before the last owner is de- ceaseddeceased, on the last owner’s death the deceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to be evenly divided among the remain- ing living beneficiaries/POD payees on account (upon providing proof of death of any other deceased beneficiary/POD payee payee). If all the beneficiaries/POD payees on an ac- count die before the last owner is deceased, on the account. The deceased beneficiary’s/POD payee’s estate may also claim death of the de- ceased beneficiary’s/POD payee’s share of final owner the funds in the ac- count if account will go to the beneficiary/POD payee dies after the last owner on the account is deceased, but before receiving her or his share final owner’s estate and may be claimed by a rep- resentative of the funds in the accountfinal owner’s estate or other claimant authorized by law. You understand un- derstand that it is your responsibility (and not our responsibility) to inform a person or organization that he, she or it is a beneficiary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account ac- count life savings insurance, which have separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner own- er on the account and guarantees the signature or au- thorization authorization of the any or all other owners for all actions and transactions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent to any actions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering the owner’s information in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service charges, costs, losses or liabilities incurred for any action or transaction on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account. You agree that a security se- curity interest granted by one owner, trustee, fiduci- aryfiduciary-owner or fiduciary of an account ac- count will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 19. and 22.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificatecertifi- cate) account started, maintained and used by two or more owners own- ers who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products or services. These rights allow each owner alone to start, confirm, maintain, review, change, add, terminate ter- minate and con- duct conduct transactions on the multiple owned accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand un- derstand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility respon- sibility to notify us and change the account. Alternatively, you may designate a per- son person or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected re- flected in our records. On the final owner’s death, the beneficiarybenefi- ciary/POD payee may claim the funds in the account on presenting present- ing proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner account dies before the last owner is deceased, on the last ownerown- er’s death the funds in the account will go to the deceased beneficiary’sbene- ficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’sbeneficiary’s/POD payee’s estate may also claim the funds in the ac- count account if the beneficiaryben- eficiary/POD payee dies after the last owner on the multiple owner own- er account dies but before receiving funds in the ac- countaccount. If you as multiple owners designate more than one benefi- ciarybeneficiary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count account will be determined by dividing the amount of the funds in the account ac- count by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the account with multi- ple mul- tiple beneficiaries/POD payees dies before the last owner is de- ceased, on the last owner’s death the deceased beneficiary’sbenefi- ciary’s/POD payee’s share of the funds in the account will go to her or his estate and not to any other beneficiary/POD payee on the account. The deceased beneficiary’s/POD payee’s estate may also claim the de- ceased deceased beneficiary’s/POD payee’s share of the funds in the ac- count account if the beneficiary/POD payee dies after the last owner on the account is deceased, but before receiving her or his share of the funds in the account. You understand that it is your responsibility (and not our responsibility) to inform a person per- son or organization that he, she or it is a beneficiary/POD payee on any account with us. If a beneficiary/POD payee on an account ac- count dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account life savings insurance, which have separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization authorization of the owners for all actions and transactions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent to any actions ac- tions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions trans- actions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions trans- actions by an owner acting alone. If you request us to designate a person as an owner by entering the owner’s information in our records rec- ords without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service charges, costs, losses or liabilities incurred in- curred for any action or transaction on an account, product or serviceser- vice, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited deposit- ed the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- aryfiduciary-owner or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-fiduciary- owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 19. and 22.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products prod- ucts or services. These rights allow each owner alone to start, confirmcon- firm, maintain, review, change, add, terminate and con- duct transactions conduct transac- tions on the multiple owned owner accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. While any owner may take actions and conduct transactions alone, we may require all owners to con- sent in writing to the addition or removal of any owner to or from the account. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go ac- count belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if be claimed by a repre- sentative of that owner’s estate or other claimant authorized by law. If the beneficiary/POD payee dies after the last owner on the multiple mul- tiple owner account dies but before receiving funds in the ac- countaccount, the deceased beneficiary’s/POD payee’s estate may claim the funds in the account. If you as multiple owners designate more than one benefi- ciary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count will be determined by dividing the amount of the funds in the account by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple beneficiariesmultiple beneficiar- ies/POD payees dies before the last owner is deceased, the de- ceased, on the last owner’s death the deceased ceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to be evenly divided among the remaining living benefi- ciaries/POD payees on account (upon providing proof of death of any other deceased beneficiary/POD payee payee). If all the beneficiaries/POD payees on an account die before the last owner is deceased, on the account. The deceased beneficiary’s/POD payee’s estate may also claim death of the de- ceased beneficiary’s/POD payee’s share of final owner the funds in the ac- count if account will go to the final owner’s estate and may be claimed by a representative of the final owner’s estate or other claimant authorized by law. If a beneficiary/POD payee dies after the last owner on the account is deceased, deceased but before receiving her or his the deceased beneficiary’s/POD payee’s share of the funds in the account, the deceased benefi- ciary’s/POD payee’s estate may claim the deceased benefi- ciary’s/POD payee’s share of the funds in the account. You understand that it is your responsibility (and not our responsibilityresponsi- bility) to inform a person or organization that he, she or it is a beneficiaryben- eficiary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account life savings insurance, which have separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization authorization of the any or all other owners for all actions and transactions transac- tions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent con- sent to any actions or transactions on accounts, products and services ser- vices by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify no- tify the owners of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering en- tering the owner’s information in our records without signing or authorizing au- thorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service chargesfees, costs, losses or liabilities incurred for any action or transaction transac- tion on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless regard- less of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- ary-owner trustee or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciaryfiduci- ary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 1918. and 2220.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificatecertifi- cate) account started, maintained and used by two or more owners own- ers who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions transac- tions on the account, products or services. These rights allow each owner alone to start, confirm, maintain, review, change, add, terminate and con- duct conduct transactions on the multiple owned accountsac- counts, products or ser- vices services on behalf of all owners for any purposepur- pose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative repre- sentative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibilityre- sponsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. AlternativelyAl- ternatively, you may designate a per- son person or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account ac- count on presenting proof of death of all owners and the beneficiary’sbenefi- ciary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple mul- tiple owner account dies before the last owner is deceased, on the last owner’s death the funds in the account will go to the deceased de- ceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’sbenefi- ciary’s/POD payee’s estate may also claim the funds in the ac- count if the beneficiary/POD payee dies after the last owner on the multiple owner account dies but before receiving funds in the ac- countaccount. If you as multiple owners designate more than one benefi- ciarybeneficiary/POD payee on the account (i.e., a multiple owner account ac- count with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’sbenefi- ciary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count account will be determined by dividing the amount of the funds in the account by the number of beneficiariesbeneficiar- ies/POD payees designated on the account. If a beneficiary/POD payee on the account with multi- ple multiple beneficiaries/POD payees dies before the last owner is de- ceaseddeceased, on the last owner’s death the deceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to any other beneficiarybenefi- ciary/POD payee on the account. The deceased beneficiary’sbenefi- ciary’s/POD payee’s estate may also claim the de- ceased beneficiary’sdeceased benefi- ciary’s/POD payee’s share of the funds in the ac- count account if the beneficiary/POD payee dies after the last owner on the account is deceased, but before receiving her or his share of the funds in the account. You understand that it is your responsibility (and not our responsibility) to inform a person or organization that he, she or it is a beneficiary/POD payee on any account with us. If a beneficiarybenefi- ciary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account ac- count life savings insurance, which have separate beneficiary designa- tionsbenefi- ciary designations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization authorization of the owners for all actions and transactions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent to any actions ac- tions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions trans- actions alone, we may require all owners to consent in writing to the addition or of an owner to the account. We may require Owner 1 to consent in writing to the removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions by an owner acting alone. If you request us to designate des- ignate a person as an owner by entering the owner’s information in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently subsequent- ly sign or authorize a form as an owner. All owners, alone and togetherto- gether, are responsible for any service chargesfees, costs, losses or liabilities incurred in- curred for any action or transaction on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited deposit- ed the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- aryfiduciary-owner or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-fiduciary- owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 19. and 22.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products prod- ucts or services. These rights allow each owner alone to start, confirmcon- firm, maintain, review, change, add, terminate and con- duct transactions conduct transac- tions on the multiple owned owner accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. While any owner may take actions and conduct transactions alone, we may require all owners to con- sent in writing to the addition or removal of any owner to or from the account. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go ac- count belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if be claimed by a repre- sentative of that owner’s estate or other claimant authorized by law. If the beneficiary/POD payee dies after the last owner on the multiple mul- tiple owner account dies but before receiving funds in the ac- countaccount, the deceased beneficiary’s/POD payee’s estate may claim the funds in the account. If you as multiple owners designate more than one benefi- ciary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’s/POD payee’s share of the funds in the ac- count will be determined by dividing the amount of the funds in the account by the number of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple beneficiariesmultiple beneficiar- ies/POD payees dies before the last owner is deceased, the de- ceased, on the last owner’s death the deceased ceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to be evenly divided among the remaining living benefi- ciaries/POD payees on account (upon providing proof of death of any other deceased beneficiary/POD payee payee). If all the beneficiaries/POD payees on an account die before the last owner is deceased, on the account. The deceased beneficiary’s/POD payee’s estate may also claim death of the de- ceased beneficiary’s/POD payee’s share of final owner the funds in the ac- count if account will go to the final owner’s estate and may be claimed by a representative of the final owner’s estate or other claimant authorized by law. If a beneficiary/POD payee dies after the last owner on the account is deceased, deceased but before receiving her or his the deceased beneficiary’s/POD payee’s share of the funds in the account, the deceased benefi- ciary’s/POD payee’s estate may claim the deceased benefi- xxxxx’s/POD payee’s share of the funds in the account. You understand that it is your responsibility (and not our responsibilityresponsi- bility) to inform a person or organization that he, she or it is a beneficiaryben- eficiary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account life savings insurance, which have separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization authorization of the any or all other owners for all actions and transactions transac- tions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. Furthermore, by main- taining maintaining the multiple owner account, you consent con- sent to any actions or transactions on accounts, products and services ser- vices by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify no- tify the owners of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering en- tering the owner’s information in our records without signing or authorizing au- thorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service chargesfees, costs, losses or liabilities incurred for any action or transaction transac- tion on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless regard- less of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- ary-owner trustee or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciaryfiduci- ary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise required by law (please see Provisions 1918. and 2220.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products prod- ucts or services. These rights allow each owner alone to start, confirmcon- firm, maintain, review, change, add, terminate and con- duct transactions conduct transac- tions on the multiple owned owner accounts, products or ser- vices services on behalf of all owners for any purpose. This includes an owner withdrawing funds, terminating and adding new accounts, products or services on behalf of all other owners. While any owner may take actions and conduct transactions alone, we may require all owners to con- sent in writing to the addition or removal of any owner to or from the account. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go ac- count belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if be claimed by a repre- sentative of that owner’s estate or other claimant authorized by law. If the beneficiary/POD payee dies after the last owner on the multiple mul- tiple owner account dies but before receiving funds in the ac- countaccount, the deceased beneficiary’s/POD payee’s estate may claim the funds in the account. If you as multiple owners designate more than one benefi- ciarybeneficiary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’sbene- ficiary’s/POD payee’s share of the funds in the ac- count account will be determined deter- mined by dividing the amount of the funds in the account by the number num- ber of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple beneficiariesmultiple beneficiar- ies/POD payees dies before the last owner is deceased, the de- ceased, on the last owner’s death the deceased ceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to be evenly divided among the remaining living benefi- ciaries/POD payees on account (upon providing proof of death of any other deceased beneficiary/POD payee payee). If all the beneficiaries/POD payees on an account die before the last owner is deceased, on the account. The deceased beneficiary’s/POD payee’s estate may also claim death of the de- ceased beneficiary’s/POD payee’s share of final owner the funds in the ac- count if account will go to the final owner’s estate and may be claimed by a representative of the final owner’s estate or other claimant authorized by law. If a beneficiary/POD payee dies after the last owner on the account is deceased, deceased but before receiving her or his the deceased beneficiary’s/POD payee’s share of the funds in the account, the deceased benefi- ciary’s/POD payee’s estate may claim the deceased benefi- ciary’s/POD payee’s share of the funds in the account. You understand that it is your responsibility (and not our responsibilityresponsibil- ity) to inform a person or organization that he, she or it is a beneficiarybenefi- ciary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement retire- ment account or account life savings insurance, which have has a separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization of the any or all other owners for all actions and transactions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the accountac- count, with or without the endorsement of the other owner. FurthermoreFurther- more, by main- taining maintaining the multiple owner account, you consent to any actions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners of any actions or transactions by an owner acting alone. If you request re- quest us to designate a person as an owner by entering the owner’s information in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person may subsequently sign or authorize a form as an owner. All owners, alone and together, are responsible for any service charges, costs, losses or liabilities incurred for any action or transaction on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- ary-owner trustee or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise other- wise required by law (please see Provisions 1918. and 2220.).

Multiple Owner Accounts with Us. A multiple owner account is a savings, checking or term (certificate) account started, maintained and used by two or more owners who together own the funds in the account. Multiple account owners have equal rights to take actions and conduct transactions on the account, products prod- ucts or services. These rights allow each owner alone to start, confirm, maintain, review, change, add, terminate and con- duct transactions conduct trans- actions on the multiple owned owner accounts, products or ser- vices services on behalf be- half of all owners for any purpose. This includes an owner withdrawing withdraw- ing funds, terminating and adding new accounts, products or services on behalf of all other owners. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition of any owner to or from the account. Each owner owns the funds in a multiple owner account with right of survivor- shipsurvivorship. This means that when one owner dies, her or his interest in the account and the funds in the account are owned by the surviv- ing surviving owner or owners on the account. On the death of the final owner on the account, the funds in the account belong to that owner’s estate and may be claimed by the representative of that owner’s estate or other claimant authorized by law. You understand that it is your responsibility (and not our responsibility) to inform a repre- sentative representative of your estate about any account with us. If an owner on the account dies before you, it is also your responsibility to notify us and change the account. Alternatively, you may designate a per- son or organization as a beneficiary/Payable on Death payee (POD payee) on a multiple owner account as reflected in our records. On the final owner’s death, the beneficiary/POD payee may claim the funds in the account on presenting proof of death of all owners and the beneficiary’s/POD payee’s ID. If the beneficiary/POD payee on the multiple owner an account dies before the last owner is deceased, on the last owner’s death the funds in the account will go ac- count belong to the deceased beneficiary’s/POD payee’s estate. The deceased bene- xxxxxxx’s/POD payeethat owner’s estate and may also claim the funds in the ac- count if be claimed by a repre- sentative of that owner’s estate or other claimant authorized by law. If the beneficiary/POD payee dies after the last owner on the multiple mul- tiple owner account dies but before receiving funds in the ac- countaccount, the deceased beneficiary’s/POD payee’s estate may claim the funds in the account. If you as multiple owners designate more than one benefi- ciarybeneficiary/POD payee on the account (i.e., a multiple owner account with multiple beneficiaries/POD payees), on the death of the final owner on the account each beneficiary/POD payee may claim her or his (or its) equal share of the funds in the account by presenting proof of death of all the owners and the beneficiary’s/POD payee’s ID. Each beneficiary’sbene- ficiary’s/POD payee’s share of the funds in the ac- count account will be determined deter- mined by dividing the amount of the funds in the account by the number num- ber of beneficiaries/POD payees designated on the account. If a beneficiary/POD payee on the an account with multi- ple beneficiariesmultiple beneficiar- ies/POD payees dies before the last owner is deceased, the de- ceased, on the last owner’s death the deceased ceased beneficiary’s/POD payee’s share of the funds in the account will go to her or his estate and not to be evenly divided among the remaining living benefi- ciaries/POD payees on account (upon providing proof of death of any other deceased beneficiary/POD payee payee). If all the beneficiaries/POD payees on an account die before the last owner is deceased, on the account. The deceased beneficiary’s/POD payee’s estate may also claim death of the de- ceased beneficiary’s/POD payee’s share of final owner the funds in the ac- count if account will go to the final owner’s estate and may be claimed by a representative of the final owner’s estate or other claimant authorized by law. If a beneficiary/POD payee dies after the last owner on the account is deceased, deceased but before receiving her or his the deceased beneficiary’s/POD payee’s share of the funds in the account, the deceased benefi- ciary’s/POD payee’s estate may claim the deceased benefi- ciary’s/POD payee’s share of the funds in the account. You understand that it is your responsibility (and not our responsibilityresponsibil- ity) to inform a person or organization that he, she or it is a beneficiarybenefi- ciary/POD payee on any account with us. If a beneficiary/POD payee on an account dies before you, it is also your responsibility to notify us and change the account if you desire to do so. Please be aware that your beneficiary/POD payee des- ignations designations do not apply to any retirement account or account life savings insuranceretire- ment account, which have has separate beneficiary designa- tionsdesignations. You understand and agree that any owner may sign the signature of any other owner on the account and guarantees the signature or au- thorization of the any or all other owners for all actions and transactions on the ac- countaccount, products or services. You also agree we may permit an owner to deposit checks payable to any other owner in the account, with or without the endorsement of the other owner. FurthermoreFur- thermore, by main- taining maintaining the multiple owner account, you consent to any actions or transactions on accounts, products and services by any other owner. While any owner may take actions and conduct transactions alone, we may require all owners to consent in writing to the addition or removal of any owner to or from the account. All owners agree we have no duty to notify the owners own- ers of any actions or transactions by an owner acting alone. If you request us to designate a person as an owner by entering the owner’s information in our records without signing or authorizing a form, you agree this person is an owner. You further agree this person per- son may subsequently sign or authorize a form as an owner. All ownersown- ers, alone and together, are responsible for any service charges, costs, losses or liabilities incurred for any action or transaction on an account, product or service, regardless of which owner conducted or benefited from the action or transaction. If any owner owes us money for any reason, we may enforce our rights against all funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account. You agree that a security interest granted by one owner, trustee, fiduci- ary-owner trustee or fiduciary of an account will continue to secure that owner’s, trust’s, fiduciary-owner’s or fiduciary’s obligation to us even after that person dies. Finally, for any obligation owed to us, our rights take priority over all other claims to the funds in an account unless otherwise other- wise required by law (please see Provisions 1918. and 2220.).